Agreement & Acknowledgement
Change notification to www.paydaytx.com Privacy practices
Agreement & Acknowledgement
Change notification to www.paydaytx.com Privacy practices
Personally Identifiable Information
At times we will combine and collect PII or Personally Identifiable Information in addition to non-personally identifiable information via a number of sources in addition to the ones we have discussed below. PII stands for data which is collected with the intention of identifying, locating our contacting a person which may include but is not limited to his or her SSN (social security number), your first and last name, zip code, address, driver’s license, phone number, work number, date of birth, time of birth, job title, employer’s address, employer’s name, ABA/ routing number, IP address, pay dates, compensation, name of your bank, direct deposit, loan amount needed, net income each month and computer specifications. Non-PII data is not used to identify, locate, or contact an individual which may include but is not limited to IP address, gender, zip code and age etc.
OPT-IN / OPT-OUT
Our affiliates and or also our third parties hold the right to promote services and products via telephone, and email to all consumers who have willingly requested to be contacted via our site’s application opt-in process also through our Opt-in process by our affiliate sites or third party vendor. Our list members will get telephone contacts or emails until they want to discontinue receiving such information.
We offer the option whereby listed members can also be removed from our contact list whenever they need, no questions asked. In order to get yourself off our information database in order to not to receive communications in the future, you can do any one of the things stated below
- You can either email us to firstname.lastname@example.org
- Visit www.paydaytx.com and hit the ‘unsubscribe’ button
However, you need to keep in mind that certain activities on our website is limited to people whose information we do not have. Your email address and your phone numbers that we get via an opt-out request is added to our Do-Not contact list within ten days of receipt.
If we do not hear from you we assume your consent in the way of receiving communications from our company, affiliates and third party vendors.
If any one of our members choose to be removed from the company’s contact list, this request will need to be forwarded to the specific vendor or an affiliate who has provided the List Member’s information to us so that the member’s contact information can be put into the Do Not Contact category. However, you need to remember that if your information was previously purchased via a third party affiliate or vendor we may not be the only company who has purchased your information. Also any affiliate or third party could have purchased this information from yet another third party and so you may still continue to get contacts from those companies. www.paydaytx.com does not bear any responsibility for stopping all unsolicited emails from beyond sources under our control.
www.paydaytx.com is a CAN-SPAM complaint company.
www.paydaytx.com will not knowing collect any info from kids that are under the legal age of 18. We do not collect information from kids regardless of what happens or what the purpose may be which also includes for promotional and marketing purposes. If you have become aware that a kid of which you are a parent or guardian of has made available private information via our point of contact then we urge you to contact us immediately so that we can delete this information from our records.
Collection and Usage of General Information
Information in regards to your computer’s hardware and the software that runs on it is also collected by www.paydaytx.com and could be shared in aggregate with other third parties whose services we use for mostly traffic analysis. Computer related information will include your browser type, IP address, referring website address, access times, domain names etc. This information will help to improve the information and quality of service provided by www.paydaytx.com. We do not use a third party database to update or correct the information you submit regardless of the reason.
Cookies are small pieces of data which are stored on a person’s hard drive which contains information about them. However, the usage of a cookie is not in any way lined to personally identifiable information when on our website. If you reject the cookie you are still able to view our website but without being able to access to certain features of our website. Our cookies are also used to track as well as target people with things they are interested in which enhances their experience on our website. The cookies which are served i.e. persistent and session based are tied into the Personally Identifiable Information that we provide you with.
www.paydaytx.com contains a few links to a different websites mostly consisting of third parties. However, we urge you to be aware because www.paydaytx.com is not responsible for other websites and their privacy practices. We ask our users to be aware when leaving our website to always read the privacy statements of every website which collects information from them. This present privacy statement applies just to the information which is collected by www.paydaytx.com even in instances where other sites may be in frame with ours. We may also choose to co-brand a few services with third parties as well as affiliates. It will become clear from the point of collection exactly who is collecting this information and what the privacy statement governs. Let’s take for instance without having to limit forgoing, we will co-brand with credit reporting agencies, automotive companies and insurance brokers.
A number of security technologies are employed which help to protect the personal information of visitors to our website from unauthorized use, disclosure and access. An example of this is that we will store personal information that you provide on our computer systems in places which has limited access often located in very controlled facilities. When highly confidential information is transferred over the internet we ensure to protect it with the use of Secure Socket Layer encryption protocol.
www.paydaytx.com cannot fully ensure that all private communications and also the personally identifiable info we have will not be disclosed in other ways which is not described in our Privacy Agreement. For instance we may be forced to go ahead and disclose information to other third parties or the government under certain situations. Third parties could also unlawfully work to intercept our private communications.
However, suffice to say that if you chose to opt-out from any future contact with www.paydaytx.com via the opt-out mechanism given in every email sent to you on behalf of third party services provides and www.paydaytx.com, your email address will be provided to the third party service provider so that this service provider can put your name and your contact information on their own DNC (do not contact) list.
www.paydaytx.com reserves the right to be able to disclose all or some member information in situations termed as “special cases” i.e. when we have reasons to believe that the disclosure of this information is imperative to contact, identify and to bring legal action to anybody who is causing interference and injury. www.paydaytx.com also fully reserves the right to be able to disclose visitor / member information in good faith when the law needs it.
By law we are required to disclose personally identifiable information or when we believe that this disclose is needed in order to protect our rights or to comply with judicial proceedings, legal process or court order.
Information Sharing with Affiliates
When you put in a request for a quote or information you are in fact granting www.paydaytx.com or our affiliates to contact you. We will share both the loan request data and your contact information which you submit for a quote in addition to your www.paydaytx.com account number info with our affiliated companies like commercial lenders, licensed loan brokers and banks so that we can fulfill information requests that we get from you in order to ensure a superior service by providing service and product opportunities which may interest you and also various other business purposes we could disclose all information we have collected as described above with the following affiliated companies: mortgage and life insurance companies, numerous financial service providers, debt and credit services, title service companies and auto finance companies.
Information Sharing with our Co-Branded Partners
A few of the services on www.paydaytx.com have been co-branded with our contracted partners. Our co-branded offerings can be identified directly via quote request form for the service or product you choose prior to actually submitting the request. In instances where the co-branded service or product provided has been identified the personally identifiable information you enter in will be given directly to the provider via their website and does not come to www.paydaytx.com. The service or product provider will then control the data once they have it, which can be used for tracking and identification by sharing it with www.paydaytx.com.
Personal information can be used in order to provide services which you have requested this includes customized advertising and content. This is in addition to any fee which of which you have been notified by your provider as standard messaging rates which apply in order to confirm and also all SMS correspondence later on. You have the option to either Opt out to remove your SMS info by simply sending “STOP”, “QUIT”, or “END” to the text message you get. Once your SMS info has been removed from our database we will not be able to be used for secondary purposes or disclosed to our third parties.
Registry Compliance shouldn’t be contacted
By submitting your personal contact or your financial information you are granting written permission for us, our affiliated sites and our business partners to get in contact with you via mail, telephone, or even email. Then by registering at www.paydaytx.com you are willfully consenting to get phone calls from us, our business partners and affiliated sites which are not just limited to lenders who will contact you in regards to a loan.
Information pertaining out our former customers are treated in the same way as our current customers.
Security And Confidentiality
We mainly restrict all types of access to nonpublic information about individuals to all but a few employees that need to have this information to provide services and products. We also maintain electronic, procedural and physical safeguards which are compliant with federal standards in order to guard against your nonpublic information from all unauthorized access and use.
The work of maintaining accurate information tends to be a responsibility we need to share. We work to maintain the information’s integrity that is provided to us and as notified we will update all our records. Please contact us via the address and the phone number below when you want to change or update your information.
Service and Site Updates
www.paydaytx.com sends service announcement and site updates. Our members will not be able to just unsubscribe from our service announcements which will contain important information in regards to the service. We will also communicate with users in order to provide those requested services pertaining to issues via phone when needed.
Update / Correct Information
If you need to verify the data which we have gotten from you previously, like to make corrections or even disable the usage of personal info, then please contact us or log into the account area on www.paydaytx.com
Representative APR 391%:
Average APR for this type of loans is 391%. Let’s say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.
Implications of Non-payment:
Some lenders in our network may automatically roll over your existing loan for another two weeks if you don’t pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.
Important Disclosures. Please Read Carefully.
The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. This website is not a lender and does not make loan or credit decisions. This website connects interested persons with a lender from its network of approved lenders. This website does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. This website receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, this website’s service is always free to you.
This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where this website does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
This website does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to this website, you are giving lenders in this website’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.
Lender’s Disclosure of Terms.
The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. This website has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.